Triad vs 21st Mortgage: Which Chattel Lender Fits Your Home
Both are manufactured home specialists that finance the home with or without the land. The fast answer: Triad fits a 1976-or-newer home and a borrower who wants a quicker close, while 21st Mortgage casts a wider net, with no home-age limit and loans for scores under 575 if you can put more down. Home Loans Inc brokers Triad, and this page lays both out straight.
Pick by the home first, then by your credit
Most chattel shoppers compare rates first. That is backwards. With manufactured homes, the lender's rules about the home itself knock out more files than pricing does. Start with two questions: when was the home built, and what is your credit score?
If the home was built in 1976 or later and your score is around 600 or higher, Triad Financial Services is usually a clean fit, with a published turn time of about two to three weeks on a home-only loan. If the home is older than 1976, or your score is under 575 and you have a big down payment, 21st Mortgage Corporation is often the lender that can say yes, because it publishes no home-age limit and no minimum score on most loans.
Home Loans Inc brokers Triad. We are not affiliated with 21st Mortgage, and if your file clearly fits them better, we will tell you.
Triad vs 21st Mortgage: the side-by-side comparison
Every line below comes from each lender's own published guidelines. Where a lender does not publish a number, we say so instead of guessing.
| Feature | Triad Financial Services | 21st Mortgage Corporation |
|---|---|---|
| Company | Manufactured home lender since 1959, Jacksonville, FL. NMLS #1063 | Manufactured home lender. NMLS #2280 |
| Where it lends | Refinances in 27 states, per Triad | 46 states; excludes AK, HI, MA and RI |
| Loan types | Home-only (chattel), land and home, rate-and-term refinance of primary residence chattel loans | Home-only, land and home, park models, refinance; consolidation or cash-out needs a 600+ score (not in TX) |
| Age of home | 1976 or newer (HUD Code) | No age restriction |
| Home and placement | Single or double-wide, with or without a permanent foundation; parks, leased, rented or family land | Single or double-wide, with or without a permanent foundation; parks, leased, rented or family land |
| Credit score | No published minimum; credit sets your maximum loan-to-value | No minimum on most loans; under 575 or no score usually needs 35% down |
| Maximum loan-to-value | Up to 95% on a primary residence purchase. Refinance: 95% with Equifax 600+, 90% below 600 | Up to 100% on a primary residence; 0% down for 750+ credit and a strong internal score. Typical down payment 5% to 35% |
| Loan terms | Not published; confirmed on your scenario | Up to 25 years home-only, up to 30 years land and home |
| Minimum loan amount | Not published | $16,000 from a retailer; $25,000 for private sales and refinances |
| Mortgage insurance | None required on its chattel refinances | No PMI on its portfolio loans |
| Homeowners insurance | Proof of one year full coverage at closing; first year can be financed on a Triad policy | Full coverage with 21st as loss payee for the life of the loan; taxes and insurance escrowed on all loans |
| Typical time to close | About 2 to 3 weeks home-only; 4 to 5 weeks land and home | About 45 days home-only (private sale and refinance); about 65 days with real estate |
| How you apply | Through Triad-approved partners, including Home Loans Inc | Direct online, or through retailers, communities and brokers |
Summarized from each lender's published consumer guidelines as of October 2026: Triad Financial Services (triadfs.com) and 21st Mortgage Corporation (21stmortgage.com FAQ). Guidelines change; we confirm current terms on your scenario. No rates or APRs are quoted here. Not a commitment to lend.
When Triad is the call, and when 21st Mortgage is
Triad: you need it closed fast
Triad's published turn time is about two to three weeks for a home-only loan. 21st Mortgage cites about 45 days for private-sale and refinance home-only loans. If a seller or a park is waiting, that gap matters.
Triad: credit around 600 or better
Triad's refinance guideline allows 95% loan-to-value at an Equifax score of 600+, so a solid-credit borrower can keep the down payment or equity requirement small.
Triad: you want a broker in your corner
Through Home Loans Inc you get a licensed broker who also prices FHA, VA, USDA and conventional options when your land and foundation qualify, not just one chattel loan.
21st: the home is older than 1976
Triad requires a 1976-or-newer HUD Code home. 21st Mortgage publishes no age restriction, which makes it one of the few options for an older mobile home.
21st: credit under 575 with cash to put down
21st Mortgage has no minimum score on most loans; under 575 it usually asks for at least 35% down in cash, trade or land equity.
21st: you want cash out
Triad's published refinance is rate-and-term. 21st Mortgage offers consolidation and cash-out refinances with a 600+ score, outside Texas.
Check whether you need a chattel loan at all
Triad and 21st Mortgage are both chattel specialists, and chattel loans typically cost more than a mortgage on a home and land together. If you own the land, or are buying it with the home, and the home is on a permanent foundation and titled as real property, an FHA, VA, USDA or conventional mortgage may be available at a lower long-term cost.
That is the first thing we check. If a real-property mortgage works, we show it to you next to the Triad chattel option. If it does not, you will know exactly why chattel is the right tool.
By refinancing the consumer's existing loan, the consumer's total finance charges may be higher over the life of the loan. Loans are subject to credit approval and lender guidelines.
Triad vs 21st Mortgage myths
The biggest chattel lender always has the best deal.
The right lender is the one whose rules fit your home and credit. A file that fits Triad's guidelines can close in a fraction of the time.
No minimum credit score means anyone gets approved.
21st Mortgage has no minimum score on most loans, but below 575 it usually requires at least 35% down. Approval still depends on the full file.
Every chattel lender finances older mobile homes.
Triad requires 1976 or newer. Check the year on the HUD data plate before you shop.
Send us the year, the size and where it sits. We will tell you which lender fits.
Home Loans Inc: Jason Sharon, Mortgage Broker
2557 Ashley Phosphate Rd, North Charleston, SC 29418
(843) 569-7283 / 843.LOW.RATE · Text us · jason@homeloansinc.com
More on financing a manufactured home
Chattel loans
How home-only financing works, Triad's guidelines, and when a regular mortgage beats it.
Read the guide →FHA loans
Own the land and the foundation? FHA can finance a manufactured home as real property.
See FHA →USDA loans
Zero-down financing in eligible rural areas, including qualifying manufactured homes on owned land.
See USDA →Broker vs lender
Why going through a broker gets you more than one lender's answer.
Learn more →Triad vs 21st Mortgage, frequently asked
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